Title (en)

METHODS AND SYSTEMS FOR PREDICTING BUSINESS BEHAVIOR FROM PROFILING CONSUMER CARD TRANSACTIONS

Title (de)

VERFAHREN UND SYSTEME ZUR VORHERSAGE DES UNTERNEHMENSVERHALTENS AUS PROFILIERUNG VON KUNDENKARTEN-TRASAKTIONEN

Title (fr)

PROCEDES ET SYSTEMES PERMETTANT DE PREDIRE LE COMPORTEMENT EN AFFAIRES A PARTIR D'UN PROFIL DES TRANSACTIONS PAR CARTES CONSOMMATEUR

Publication

EP 1671203 A4 20070124 (EN)

Application

EP 04781937 A 20040823

Priority

• US 2004027345 W 20040823
• US 49738603 P 20030822

Abstract (en)

[origin: WO2005020031A2] A system and method are provided for predicting small business behavior by analysis of consumer payment card transaction data. Transaction and amount velocity analysis of industry categories and/or real-time transaction-based profiling is employed to identify those consumer payment card accounts that are being inappropriately used to make small business purchases. A small business behavior predictor model is used to score transaction data and update cardholder profiles according to the likelihood that the transaction data represents small business activity.

IPC 8 full level

G06F 17/30 (2006.01); G06Q 30/00 (2006.01); G06Q 40/00 (2006.01)

IPC 8 main group level

G06F (2006.01)

CPC (source: EP US)

G06Q 10/0631 (2013.01 - EP US); G06Q 20/10 (2013.01 - EP US); G06Q 30/02 (2013.01 - EP US); G06Q 40/02 (2013.01 - EP US)

Citation (search report)

• No Search
• See references of WO 2005020031A2

Designated contracting state (EPC)

AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IT LI LU MC NL PL PT RO SE SI SK TR

DOCDB simple family (publication)

WO 2005020031 A2 20050303; WO 2005020031 A3 20060615; AU 2004267843 A1 20050303; AU 2004267843 B2 20110324; CA 2536105 A1 20050303; EP 1671203 A2 20060621; EP 1671203 A4 20070124; US 2005197954 A1 20050908; US 7853469 B2 20101214

DOCDB simple family (application)

US 2004027345 W 20040823; AU 2004267843 A 20040823; CA 2536105 A 20040823; EP 04781937 A 20040823; US 92394704 A 20040823